Foreign Travel Insurance and Foreign Travel Guide
A trip to a foreign land can be an exciting and memorable experience. However, before you
pack your bags and head off to the international airport, there are critical matters that need
to be addressed before you venture beyond the sanctuary of the friendly United States
Many of the privileges and securities you enjoy in the United States are immediately left
behind once you leave the boarders of American soil. While in the United States, we
sometimes take for granted the liberties, freedoms and protections we have as US citizens.
When we venture to a third world country, or even an industrialized European nation, many
matters we take for granted in the US change dramatically when we travel to this foreign
So before you head merrily off to your foreign country with your favorite travel hat and
travel bag, you need to make sure you are aware of how to prepare for any unplanned
medical, personal or legal emergencies. You need to understand how your medical
insurance coverage will change or even disappear. You need to have a basic understanding
of the laws of the country you are visiting and who to contact when matters arise that you
did not foresee.
YOU MAY LOSE MEDICAL COVERAGE
If you go to a foreign country, the medical care will most likely be sub-standard to the US.
If you have a serious condition subject to the need of immediate medical attention, find out
about the location and the quality of the medical facilities available at the locale you will be
visiting. Make sure you have with you sufficient prescription medication and refill
prescriptions from your doctor. In addition, you will need a letter from your doctor
summarizing your condition and the medications he has prescribed. And most important,
carry your medication in the pharmacy labeled container.
Your group medical coverage may or may not cover unexpected medical needs or offer
limited coverage. Most medical insurance policies will cover your medical cost while you are
out of the country. However, few in any will cover the cost of transporting a medical patient
back to the United States, and the actual cost would be well over ten thousand dollars. If
you are depending on medicare or medicaid coverage, unfortunately, once you leave the
United States your medical coverage will cease. If you are going to be without coverage,
then the only alternative is to purchase supplemental travel insurance and the cost normally
runs between five and ten percent of the cost of your trip.
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